Side-by-side · Q2 2026 data
Chemung Canal Trust Company, National Association vs Beginnings Credit Union
Bank
Chemung Canal Trust Company, National Association
Elmira, New York · $1 billion – $10 billion
Metric by metric
| Measure | Chemung Canal Trust Company, National Association | Beginnings Credit Union |
|---|---|---|
| TellerScore | 72 | 77 (stronger) |
| Capital cushion | 64 | 90 (stronger) |
| Loan quality | 87 (stronger) | 77 |
| Earnings | 76 (stronger) | 49 |
| Funding & liquidity | 43 | 78 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 66th | 82nd |
| Total assets | $2.8B | $1.5B |
| Deposits / shares | $2.4B | $1.3B |
| Capital ratio | 11.38% | 14.01% (stronger) |
| Problem loans | 0.38% (stronger) | 0.69% |
| Net charge-offs | 0.01% (stronger) | 0.39% |
| Return on assets | 1.40% (stronger) | 0.73% |
| Loans ÷ deposits | 98.9% | 82.3% (stronger) |
| Uninsured deposits | 31.4% | 9.2% (stronger) |
| Offices | 30 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.1% | — |
Beginnings Credit Union has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Chemung Canal Trust Company, National Association leads on 3 and Beginnings Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.